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🌅 Good morning, housing leaders! We’ve now reached the final stretch of Trump’s “National Housing Emergency” proposals. In Part 1, we tackled land, zoning, and permitting. In Part 2, we dove into closing costs, loan structures, and multigenerational financing.

And today, in Part 3, we wrap it up with the money movers that could reshape the entire housing market: construction costs, mortgage spreads, and the fate of Fannie & Freddie.

Let’s dive in! 👇

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Part 3

Final stretch: reducing build costs, nudging rates via spreads, and what happens if the GSEs exit conservatorship.

8️⃣ 🪵 Construction Cost Levers—Tariff Relief on Materials

• Treasury has floated tariff exclusions for steel, aluminum, copper, and possibly lumber.

• Lower input costs could nudge projects into feasibility and expand supply.

9️⃣ 📉 Narrowing Mortgage Spreads—What a 40 bp Drop Looks Like

• As of Sept 4, 2025, Freddie Mac PMMS 30-year fixed rate = 6.50%.

• A 40 bps drop → ~6.10%.

• Even 25–40 bps often flips borrowers from ineligible to eligible.

• Why: Shrinking the MBS–Treasury spread can unlock thousands of approvals—without the Fed cutting the Fed Funds rate.

🔟 🏦 Fannie Mae & Freddie Mac—Exit Conservatorship Without Raising Rates?

• Plan: Release the GSEs with capital + IPO.

• Pro argument: Liquidity + credit expansion; possible sovereign wealth fund seed.

• Skeptic view: Rates could rise 25–90 bps without explicit backstop.

• Counter-argument: Urban Institute & AEI say rates are unlikely to rise significantly if capital is adequate and implicit/explicit backing remains; investor confidence hinges on clarity, not conservatorship status.

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🌟 Conclusion

The administration is attacking the housing affordability crisis with ten bold levers—from freeing land and fast-tracking permits to cutting junk fees, exploring multigenerational mortgage options, revisiting product design, testing portability, reducing tariffs, narrowing spreads, and restructuring the GSEs.

How quickly will these changes deliver a “new golden age” for housing? It’s too soon to tell. But one thing is certain: the White House has put housing at the center of the economic agenda, calling it a crisis that demands urgent action—and promising to “make housing great again.”

So there you have it—10 bold moves to fix what the administration calls America’s housing emergency.

The real question for you as an agent, broker, or investor is this: Are you ready to adapt? Because when the market shifts, opportunities are created—and those who move first win.

If you’re ready to get ahead of these changes and future-proof your business, join us at PremierCoaching.com. You don’t have to navigate this market alone—we’ll give you the systems, scripts, and strategies to thrive no matter what Washington or Wall Street decides next.

Until next time, remember—your product is profit, you must lead with listings, and your mission is financial freedom. Tim and I are rooting for you. Let’s go make housing great again—starting with your own business.

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AND THAT’S A WRAP!

Stay proactive, stay consistent, and remember: listings are your path to profit, and profit is your path to freedom.

To your continued success,

—Tim & Julie Harris
Harris Real Estate Daily

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